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CRM 2013 Business Rules for calculating totals not working where a field value is 0

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I have a requirement to calculate a number of currency fields to generate cost, income and profit total amounts - the fields which make up the basis of these calculations may or may not contain amounts. 

This is working perfectly where all fields contain a positive value.  I understand that null values will prevent the business rule from firing, so the user guidance would be to put £0.00 into any fields where there was no actual amount to enter.  (It is in fact a suggested solution in 2015 to use the Set Default Value function to ensure all fields are set to 0 to avoid this situation, but this is not available in 2013). 

However, what we are experiencing is that even a 0 value is preventing the Business Rule from firing.  Is this a bug, or a known limitation of 2013?  Are we going to have to resort to Java script after all? :-(


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